GMC Acadia Insurance Rate Quotes in Aurora

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Are you researching more competitive GMC Acadia insurance in Aurora? Having to pay for pricey auto insurance in Aurora can draw down your savings and make it hard to pay other bills. Comparing price quotes can be a smart way to cut your insurance bill.

Discount GMC Acadia insuranceIt's an obvious conclusion that insurance companies want to prevent you from shopping around. Drivers who shop around once a year will presumably switch auto insurance companies because there is a good chance of finding better rates. A recent auto insurance study discovered that consumers who compared rate quotes regularly saved about $3,500 over four years compared to policyholders who never shopped around for lower prices.

If finding the cheapest rates on GMC Acadia insurance is your objective, then having some knowledge of how to get price quotes and compare car insurance can help simplify the task of finding more affordable coverage.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a provider to find the lowest price on GMC Acadia insurance in Aurora.

It's a good idea to quote other rates once or twice a year because insurance prices change frequently. Despite the fact that you may have had the best deal on GMC Acadia insurance in Aurora a year ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because you're about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Affordable GMC insurance rates in Aurora

The companies shown below offer comparison quotes in Aurora, CO. If you want to find cheap auto insurance in Aurora, we recommend you visit as many as you can to get a more complete price comparison.

Auto insurance statistics for a GMC Acadia

The price information shown next covers a range of insurance prices for GMC Acadia models. Understanding more about how premiums are figured helps drivers make smart choices when comparing insurance quotes.

GMC Acadia Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $240 $412 $362 $22 $108 $1,144 $95
Acadia SL AWD $276 $412 $362 $22 $108 $1,180 $98
Acadia SLE 2WD $276 $412 $362 $22 $108 $1,180 $98
Acadia SLE AWD $276 $502 $362 $22 $108 $1,270 $106
Acadia SLT 2WD $276 $502 $362 $22 $108 $1,270 $106
Acadia SLT AWD $310 $502 $362 $22 $108 $1,304 $109
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific Aurora garaging location which can raise or lower insurance rates noticeably.

Deductible analysis

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The tables below outline the costs and benefits when you select higher and lower insurance deductibles. The first table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

GMC Acadia insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $236 $376 $352 $20 $106 $1,115 $93
Acadia SL AWD $272 $376 $352 $20 $106 $1,151 $96
Acadia SLE 2WD $272 $376 $352 $20 $106 $1,151 $96
Acadia SLE AWD $272 $458 $352 $20 $106 $1,233 $103
Acadia SLT 2WD $272 $458 $352 $20 $106 $1,233 $103
Acadia SLT AWD $306 $458 $352 $20 $106 $1,267 $106
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GMC Acadia insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $146 $236 $352 $20 $106 $860 $72
Acadia SL AWD $168 $236 $352 $20 $106 $882 $74
Acadia SLE 2WD $168 $236 $352 $20 $106 $882 $74
Acadia SLE AWD $168 $288 $352 $20 $106 $934 $78
Acadia SLT 2WD $168 $288 $352 $20 $106 $934 $78
Acadia SLT AWD $190 $288 $352 $20 $106 $956 $80
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in your specific Aurora location which can increase or decrease coverage rates noticeably.

Based on the above data, using a $250 deductible will cost you roughly $24 more each month or $288 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 31 months between claims, you would most likely save money if you choose a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. That will necessitate enough savings in order to pay the deductible for vehicle repair.

The example below shows how different deductible levels and can influence GMC Acadia insurance costs for different age groups. The prices are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Gender-based auto insurance rates by age in Aurora

The illustration below illustrates the comparison of GMC Acadia car insurance rates for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

The GMC Acadia Insurance Premium Equation

Many factors are used when quoting car insurance. Most are fairly basic like an MVR report, but some are not quite as obvious such as whether you are married or your commute time. The best way to find cheaper insurance is to take a look at the factors that go into determining your insurance rates. If you understand what influences your rates, this enables informed choices that will entitle you to lower premium levels.

Shown below are some of the most common factors utilized by car insurance companies to help set prices.

  • Demanding occupation may mean higher rates - Occupations such as doctors, police officers, and miners are shown to have higher premiums than the average policyholder in part from intense work situations and incredibly demanding work hours. Conversely, occupations such as professors, engineers and homemakers receive lower rates.
  • Allowing your insurance policy to lapse raises rates - Having an insurance coverage lapse is a guaranteed way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with the Colorado department of motor vehicles.
  • Your address can affect prices - Being located in less populated areas of the country has it's advantages when insuring your vehicles. Drivers who live in large cities tend to have congested traffic and much longer commute distances. Lower population translates into fewer accidents and lower theft and vandalism rates.
  • Fewer miles means better costs - The higher the miles on your GMC annually the more it will cost to insure it. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive better premium rates than those that get driven frequently. It's a good idea to make sure your policy shows the correct driver usage. Having the wrong rating on your Acadia can result in significantly higher rates.
  • How credit rating affects insurance costs - Credit score factor in calculating your premium rate. People with high credit ratings tend to be more responsible and file fewer claims than those with lower ratings. If your credit rating is low, you could potentially save money when insuring your GMC Acadia if you clean up your credit.
  • Do safer cars cost less to insure? - Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means less claims paid and lower rates for you. If your GMC scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Increase physical damage deductibles to save - Comprehensive and collision coverage deductibles tell how much you are willing to pay if you file a covered claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims are collision with another vehicle, collision with a deer, and damage caused by road hazards. The more of the claim you are required to pay out-of-pocket, the lower your rates will be.
  • GMC Acadia claim probability - Car insurance companies use statistical claims data as a tool for profitable underwriting. Vehicles that are shown to have increased losses will have higher rates for specific coverages. The next table shows the insurance loss data used by companies for GMC Acadia vehicles.

    For each policy coverage, the claim amount for all vehicles, regardless of make or model, equals 100. Numbers that are below 100 suggest losses that are better than average, while values over 100 point to more frequent losses or larger claims.

    Car Insurance Loss Data for GMC Acadia Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    GMC Acadia 4dr 2WD 75 86 73 71 69 80
    GMC Acadia 4dr 4WD 83 100 88 62 63 80
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Discount Aurora insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some discounts are required to be inquired about before they will apply.Save money with discounts

  • Telematics Discount - Insureds that choose to allow companies to look at driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Military Discounts - Having an actively deployed family member could trigger a small discount.
  • Anti-lock Brake System - Cars and trucks with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Federal Employees - Having worked for a branch of the government may reduce rates when you quote Aurora auto insurance with certain companies.
  • Low Mileage Discounts - Driving less may enable drivers to earn substantially lower premium rates.
  • Senior Citizens - Seniors can get better insurance rates.
  • Organization Discounts - Participating in specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for insurance.
  • Theft Deterrent Discount - Cars with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Aurora auto insurance quote.
  • One Accident Forgiven - Not really a discount, but companies like State Farm and GEICO will turn a blind eye to one accident without the usual rate increase so long as you haven't had any claims prior to being involved in the accident.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, that's just not realistic.

The example below shows the comparison of GMC Acadia car insurance rates with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims or violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

Some of the larger companies who may offer some of the above discounts include:

Before buying, ask every company which discounts you qualify for. Some discounts listed above might not be offered in every state. To see companies that offer many of these discounts in Colorado, follow this link.

Compare prices but buy from a local neighborhood Aurora car insurance agent

A lot of people just want to get advice from a local agent and that is a smart decision One of the best bonuses of price shopping on the web is the fact that you can find lower rates and still choose a local agent. Buying from and supporting local insurance agencies is important especially in Aurora.

Insurance agents in AuroraBy using this form (opens in new window), your insurance coverage information is instantly submitted to participating agents in Aurora who can give free rate quotes to get your business. It's much easier because you don't need to contact any agents as quotes are delivered straight to your inbox. It's the lowest rates without having to waste a lot of time. If you wish to compare rates from a specific car insurance provider, don't hesitate to find their quoting web page and submit a quote form there.

Choosing the best provider shouldn't rely on just the bottom line cost. The following questions are important to ask.

  • How much experience to they have in personal lines coverages?
  • Which companies can they place coverage with?
  • Does the company use OEM repair parts?
  • Do they review policy coverages at every renewal?
  • If you have an accident, will your rates go up?
  • Will the agent or a CSR service your policy?
  • Does the company have a local claim office in Aurora?
  • If your car is in the repair shop, do you have coverage for a rental car?

Once you have received positive responses to your questions in addition to an acceptable price estimate, it's possible that you found a company that meets your needs to adequately provide car insurance.

Car insurance company ratings

Ending up with a good quality car insurance provider can be challenging considering how many companies there are to choose from in Aurora. The ranking data shown below can help you pick which insurers to look at buying from.

Top 10 Aurora Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA Insurance - 91%
  4. Nationwide - 90%
  5. State Farm - 90%
  6. The Hartford - 89%
  7. GEICO - 89%
  8. Allstate - 88%
  9. 21st Century - 88%
  10. The General - 88%

How much can you save?

As you quote Aurora auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best price.

Cheaper car insurance in Aurora can be purchased on the web as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don't offer online rate quotes and usually these regional insurance providers sell through independent agents.

We covered some good ideas how you can get a better price on GMC Acadia insurance in Aurora. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best price on car insurance is with the smaller companies. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive or GEICO.

Steps to buying lower priced GMC Acadia insurance in Aurora

It takes a few minutes, but the best way to find affordable quotes for auto insurance rates in Aurora is to regularly compare quotes from companies who provide car insurance in Colorado. You can shop around by following these guidelines.

  1. Spend a few minutes and learn about auto insurance and the changes you can make to keep rates in check. Many rating criteria that increase rates like at-fault accidents and a negative credit rating can be improved by making minor changes to your lifestyle.
  2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give notification to your current company of your intent to cancel your current policy and submit payment and a completed application to the new company. Immediately keep your new proof of insurance paperwork in an accessible location in your vehicle.

One piece of advice is that you'll want to make sure you compare identical coverages on each price quote and and to get rates from as many companies as feasibly possible. Doing this provides an accurate price comparison and many rates to choose from.

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